TravelDiari matches your credit cards to every hotel booking — saving you points you'd otherwise miss.

Card vs Card Comparison

Chase Ink Business Cash
vs
Chase Ink Business Unlimited.

Updated

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the real scenarios where each one wins.

Chase

Chase Ink Business Cash

Annual fee

Free

Points

Ultimate Rewards (with Sapphire pairing)

Signup bonus

$900 cash back after $6K in 3 months

Top earning rates

  • →5x on office supply stores and phone, internet, and cable (up to $25K per year)
  • →2x on gas and dining (up to $25K per year)
  • →1x on everything else

Top perks

  • →$0 annual fee forever
  • →Cell phone protection
  • →Primary rental car coverage on business rentals
See Chase Ink Business Cash detailsarrow_forward

Chase

Chase Ink Business Unlimited

Annual fee

Free

Points

Ultimate Rewards (with Sapphire pairing)

Signup bonus

$900 cash back after $6K in 3 months

Top earning rates

  • →1.5x flat on every business purchase
  • →Pairs with Sapphire Preferred or Reserve to unlock Chase transfer partners

Top perks

  • →$0 annual fee forever
  • →Primary rental car coverage on business rentals
  • →Purchase protection and extended warranty
See Chase Ink Business Unlimited detailsarrow_forward

The verdict

When each card wins.

Chase Ink Business Cash wins if

Pick this if your business spends on office supply stores, internet, or phone bills. Best paired with a Sapphire for transfer-partner access.

Honest downside: Spending caps limit total earn. Outside the bonus categories the earn rate drops to 1x.

Chase Ink Business Unlimited wins if

Pick this if you want a flat-rate business cashback card with no fee, or to pair with a Chase Sapphire to convert cashback into Hyatt and United points.

Honest downside: On its own, it earns only cashback. Real value unlocks only when paired with a Sapphire card.

At a glance

Side-by-side spec sheet.

SpecChase Ink Business CashChase Ink Business Unlimited
Annual feeFreeFree
Points currencyUltimate Rewards (with Sapphire pairing)Ultimate Rewards (with Sapphire pairing)
Signup bonus$900 cash back$900 cash back
Top earn category5x on office supply stores and phone, internet, and cable (up to $25K per year)1.5x flat on every business purchase
Second earn category2x on gas and dining (up to $25K per year)Pairs with Sapphire Preferred or Reserve to unlock Chase transfer partners
Third earn category1x on everything elseStandard 1x earn
Signature perk$0 annual fee forever$0 annual fee forever
IssuerChaseChase

Questions

Frequently asked.

Which is better, Chase Ink Business Cash or Chase Ink Business Unlimited?

expand_more

Chase Ink Business Cash wins if your business spends on office supply stores, internet, or phone bills. Best paired with a Sapphire for transfer-partner access. Chase Ink Business Unlimited wins if you want a flat-rate business cashback card with no fee, or to pair with a Chase Sapphire to convert cashback into Hyatt and United points.

Can I have both the Chase Ink Business Cash and the Chase Ink Business Unlimited?

expand_more

Both cards are issued by Chase, so the issuer's application rules apply. Many cardholders carry both if the perks don't overlap, but check your issuer's velocity rules before applying for two cards close together.

Which has the higher annual fee, Chase Ink Business Cash or Chase Ink Business Unlimited?

expand_more

Both cards charge a $0 annual fee. The right pick comes down to which earning categories and perks you'll actually use.